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We got banned from PayPal after 12 years of business

blog.niteo.co

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Re: We got banned from PayPal after 12 years of business

#241

Post by TeMPOraL »

viraptor wrote: post #116
LeonM wrote: post #98

Earlier quoted context omitted.

> and some don't have a credit card If your customers are from Europe, it's not some , but most customers that don't have a credit card. Credit cards are uncommon here (probably hard to imagine if you are from USA). Online payments are a fragmented mess in Europe. Most countries have their own preferred online payment method (like iDEAL or bancontact), Paypal is basically the only reliable method that works everywher…

> If your customers are from Europe This is not a great approximation. In the UK you can assume almost every person has a payment card that works on the internet (debit and/or credit). In Poland on the other hand, the number of systems gets silly ( https://m.lot.com/us/en/payment-methods-on-lotcom )

In Poland you can assume almost everyone has a debit card that works on-line.

WRT. your number of paying systems, note that there's exactly one Polish payment system there - DotPay. Every other system there is to support other countries (not surprising, given that you've picked up the site of the national airline).

Re: We got banned from PayPal after 12 years of business

#242

Post by colejohnson66 »

bluGill wrote: post #197
nothrabannosir wrote: post #157

Earlier quoted context omitted.

This is the first time I hear about this for UK. The chargeback rules are set by the network , i.e. MasterCard, Visa (sure Amex as well but they are both issuer , acquirer and network so that’s perhaps an unfair example). Is there a different rule set for MC USA vs MC rest of the world? I worked for a fraud detection company in the UK that existed precisely because chargebacks work so well, here. So this is definitel…

Laws in each country are different. In the US that is not just a network rule it is a law. In many other countries they are just rules that can change at any time. Check with your local country's laws as each are different. I would expect that the network's rules are in large part the intersection of the laws in every country they operate in - one set of rules is easier to track than trying to figure out which countr…

They’re only out $50 for debit accounts. Credit accounts, you’re not liable for anything.

Re: We got banned from PayPal after 12 years of business

#243

Post by djsumdog »

nakodari wrote: post #33

Not surprised at all. We got banned too without any warning a few years ago. I wrote about my story here: https://news.ycombinator.com/item?id=11944701 Lots of people would simply think "It won't happen to me" and move on. But this is just another example that if it can happen to people using Paypal for years, it can happen to you too. It's better to offer other payment channels to customers so you can diversify. And…

I wonder if there's a potential class action suit there if you could get enough people together.

Re: We got banned from PayPal after 12 years of business

#245

Post by Loughla »

dsfyu404ed wrote: post #74
sincerely wrote: post #72

Earlier quoted context omitted.

You get banned from Uber if you do that, no?

Do you really want to keep doing business with a company that charges you $1500 and doesn't promptly make it right?

That, honestly not trying to be snarky, is my question.

Is the convenience of an app so important to you that you're willing to deal with this nonsense?

Re: We got banned from PayPal after 12 years of business

#246

Post by astura »

neotek wrote: post #164
nakodari wrote: post #33

Not surprised at all. We got banned too without any warning a few years ago. I wrote about my story here: https://news.ycombinator.com/item?id=11944701 Lots of people would simply think "It won't happen to me" and move on. But this is just another example that if it can happen to people using Paypal for years, it can happen to you too. It's better to offer other payment channels to customers so you can diversify. And…

You got banned for running a file sharing site, I’m afraid. PayPal’s terms require all file sharing sites to seek explicit approval before using the service, no exceptions.

I mean... its not even hidden in fine print or written in legalese or anything, they are pretty clear about "Activities Requiring Approval" in readable plain language.

https://www.paypal.com/us/webapps/mpp/ua/acceptableuse-full

>Providing file sharing services or access to newsgroups

Re: We got banned from PayPal after 12 years of business

#247

Post by jandrese »

foggyToads wrote: post #166
HenryBemis wrote: post #117

Literally NO ONE wrote the below: Every Friday go online and withdraw all-but-the-necessary £€$$ to your bank account (transfer wire or via card number). I do get some revenue via PayPal, and the very same day (or the next) I 'download' comes it to my bank account (connected to PayPal via card) and IMMEDIATELY is shipped to another account that has all the controls to make money (relatively) unmovable. I perceive Pay…

How does that protect against them erroneously withdrawing large sums from your account and hitting you with overdraft or repeated NSF fees?

It stops them from freezing the account on Paypal. If you really want to insulate from the service you would set up a similar job at your bank that would immediately transfer the funds out of that account and into some other account. But honestly if you are going to this much trouble is it even worth it to use Paypal?

Re: We got banned from PayPal after 12 years of business

#248

Post by thedaemon »

LeonM wrote: post #181
viraptor wrote: post #116

Earlier quoted context omitted.

> If your customers are from Europe This is not a great approximation. In the UK you can assume almost every person has a payment card that works on the internet (debit and/or credit). In Poland on the other hand, the number of systems gets silly ( https://m.lot.com/us/en/payment-methods-on-lotcom )

I guess that I was trying to say is: don't assume that people have credit cards. In many countries credit cards are uncommon.

Credit / Debit cards are the same thing online. We, as is USA people, use the terms interchangeable often. I'm going to guess that most EU people have some form of banking card. So we will continue to assume that people have a form of payment other than cash.

Re: We got banned from PayPal after 12 years of business

#249

Post by ricardobeat »

TeMPOraL wrote: post #222
gumby wrote: post #158

Earlier quoted context omitted.

So if a crook steals your money and buries it in the back yard instead of spending it it's not theft?

It was a bad analogy. A better one would be, you send a friend to pick up some money for you, and when the friend returns, they suddenly refuse to give you the money.

I would call that theft, no question.

Re: We got banned from PayPal after 12 years of business

#250

Post by m-p-3 »

mprev wrote: post #139
gotland_ wrote: post #71

Don't know if it is the reason for the ban, but Niteos main product seems to be a service for creating spam networks. https://www.easyblognetworks.com , https://niteo.co/projects

Ooof, PBNs are literal spam. They're designed to game Google by producing a deluge of low quality content with backlinks on whatever search terms you're hoping to squat on. I'm utterly sick of this kind of junk.

What's the difference between this and 1-click VPS with WordPress/etc preinstalled?
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